The advisor's
Whether an IFA belongs in the plan at all — policy design, funding schedule, lender selection on the policy side, and the suitability call. This page defers to you on all of it.
Immediate Financing Arrangements are a fixture of the advisor world this desk serves: a permanent life insurance policy is funded, and the client immediately borrows against its cash value — keeping capital working while the coverage builds. This desk does not sell insurance and never will. This briefing exists for a narrower reason: clients who run IFAs almost always hold property credit too, and the two loans must be sequenced by people who understand both. We speak the language so your structure survives contact with ours.
The client — often an incorporated professional or holdco, at the top brackets — funds a permanent policy with meaningful cash value. A lender takes the policy as collateral and advances against that value, frequently up to its full amount, so the premium dollars keep working elsewhere immediately rather than resting inside the policy. Where the borrowed money is invested for income, interest can be deductible under the same direct-use rule that governs every strategy on this site — and at death, the insurance proceeds retire the loan with the balance flowing to the estate. Banks and specialty lenders both serve the space; the design, funding schedule and suitability all belong to the insurance advisor who builds it.
Whether an IFA belongs in the plan at all — policy design, funding schedule, lender selection on the policy side, and the suitability call. This page defers to you on all of it.
Deductibility, corporate versus personal ownership, the collateral-insurance deduction where it applies, and the tracing that keeps the CRA conversation short.
The property-credit leg beside it: mortgages, readvanceable structures and equity facilities sized and timed so neither loan spoils the other's underwriting.
No — not licensed for it, not interested in becoming your competition. The desk's entire role is the real-estate side of a balance sheet that happens to carry an IFA. Your structure, your client, your lane.
Because the same client profile that suits an IFA — incorporated, top-bracket, meaningful net worth — is exactly the profile whose mortgage files need the net-worth and business-for-self programs rather than a branch application. And because property-secured credit is often the cheaper instrument for the same client's other borrowing needs — worth pricing beside any policy-secured draw before the durable borrowing lands on the dearer one.
The same answer as everywhere on this site: deductibility follows what the borrowed money does, not what secures it — invested for income with a reasonable expectation of it, with clean tracing, blessed by the accountant. The insurance wrapper adds its own technical conditions that are precisely the accountant's and advisor's territory, not this desk's.
This briefing describes the structure as documented in the lending institutions' own advisor-facing materials, at the level of mechanics only — no figures, because every IFA is bespoke. Where a client's plan involves one, the desk coordinates with the advisor who owns it; it never originates one.
If a client's plan has an IFA in it and a property move anywhere on the horizon, sequence the two before either one is signed.
Arrange a confidential introductionRamin Hallaji, Principal — licensed in British Columbia (BCFSA) and Alberta, Dominion Lending Centres Group · 778-879-6768 · ramin@privatewealthfinancing.ca
Educational briefing only — not advice, not an offer of financing, and not insurance advice. Immediate Financing Arrangements are designed and placed by licensed insurance professionals and their lenders; suitability, policy design and tax treatment belong to the client's advisor and accountant. Private Wealth Financing arranges mortgage financing only.